How much must I sell privately for to beat my trade-in?
Your trade-in saves tax, too. Find the private-sale price needed to leave you better off.
Enter the required amounts to see your result.
See the calculation
Trade-in offer$15,000
Tax saved$2,246.25
Private sale must beat$17,246.25A quick example
A private sale must make up for both the offer and its tax saving. Enter your own amounts above to see the price you need to beat, including any selling costs.
A few useful details
For your personal vehicle toward a new vehicle from a dealer. No tax collected by you. Business vehicles, used replacements and leases need a separate calculation. An accommodation sale is an arrangement with the dealer, not an automatic tax benefit. In Ontario, this models 13% HST only when the dealer confirms an eligible trade-in arrangement; a direct private sale does not qualify. Used replacements, business transactions and leases need separate review.
Cash needed = dealer credit + tax saving − dealer-route costs + cash-sale costs. Tax saving = tax on full new price − tax after eligible credit.
Official sources
CRA · GST/HST · Revenu Québec · TPS/TVQ · OMVIC · Trade-in and HST · Revenu Québec · Understanding accommodation sales · Revenu Québec · Understanding accommodation sales
Rules checked October 22, 2026.
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